Table 317: Information on individual SHG members to be reported by CIs to CICs
as part of the Uniform Credit Reporting Format (MFI)

Particulars to be reported
Corresponding Field in the MFI Reporting
Format
I.
Non-credit related information
1.  Name (as it appears on the identity
document)
Member Segment -Field No. 6,7,8 for Name of
the Customer
2. The
nature
of
the
identity
document accepted by the bank
Member Segment – Field No. 32, 34,36 for Other
ID Type Description
3. Unique number of the identity
document accepted by the bank, if
available
Member Segment - Field No. 33, 35, 37 for Other
ID Value;
Member Segment – Field No. 28 to 31 should be
used for fields such as UID (Aadhaar), Voter’s ID,
Ration Card Number
4.  Date
of
(DD/MM/YYYY)
birth Member Segment - Field No. 10 for Member Birth
Date
5.  Father’s /Husband’s Name
Member Segment - Field No. 17,18,19,20 for
Member Relationship Details
6. Address (Complete address with
State Code and PIN Code)
Address Segment – Field No. 60, 61, 62 for
Address, State Code and PIN Code
7.  Male or Female
Member Segment - Field No. 13 for Member
Gender Type
8. Name of the SHG of which the
person is a member
Member Segment - Field No. 5 for Group
Identifier The field has been modified to capture
‘Group Unique ID^Group Name’
9. Savings Account Number of the
SHG
Member Segment - Field No. 45,46, 47 for
Member’s Savings Bank Details (Bank Name,
Branch Code, Account)
10. Loan Account Number of the SHG Account Segment - Field No. 66 for Account
Number
11. Reference number of any other
identity document that has been
relied upon by the bank
Member Segment - Field No. 28-31 and 35, 37
for Other ID Value
12. Educational level
member
of the SHG Member Segment - Field No. 42 on Member’s
Educational Qualification
13. Monthly Family income (in Rs.)
Member Segment - Field No. 49 for Total Monthly
Family Income
14. Occupation
Member Segment - Field No. 48 for Occupation
15. Social strata
Member Segment - Field No. 52 for Member’s
Caste
16. Mobile No.
Member Segment - Field No. 39, 41 for Member’s
Phone Number
II. Credit related information18
17. Amount of loan availed by the
member from the SHG loan
Account Segment - Field No. 83 for Total Amount
Disbursed

17 RBI has set up a Technical Working Group comprising representatives from various CIs and CICs to
institutionalise a continuing mechanism for reviewing and making changes where necessary to the data
formats. This Group shall suitably adapt Table 3 for the purpose of reporting of data by CIs to the CICs
electronically.

18 Not applicable, if the group loan is up to ₹1,00,000/-.


Table 4: Information on individual SHG members to be collected at the time
of opening of new SHG Savings Bank Accounts of the SHG

Particulars required
Particulars
provided
Basis
1. Name of the SHG
To be filled in by the SHG
member
2. Savings Bank Account
Number of the SHG
To be assigned by
the bank
3. Name of the SHG member
As it appears on the identity
document accepted by the CI
4. The identity document accepted
by the bank
Aadhaar Card No. /Voter
ID/PAN/Driving licence/NREGA
Card /Passport19
5. Unique number of the identity
document accepted by the bank, if
available
Documentary proof Needed
6. Father’s /Husband’s Name
As mentioned in the identity
document accepted by the bank
7. Male or Female
As declared by the SHG member
8. Date of birth (if printed on
the identity
document)
DD/MM/YYYY
9. Address (Complete address
with State Code and PIN Code)
Declaration basis20
10. Information about other
existing bank accounts
Declaration basis
11. Educational level
Codes to be used
Illiterate:             1
Passed 5th class:  2
Passed 8th class:  3
Passed 10thclass  : 4
Above 10th :             5
Declaration basis
12. Occupation
Codes to be used
Home maker         :  1
Landless Labourer: 2
Marginal Farmer  :  3
Small Farmer
:  4
Declaration basis
13. Monthly Family income (in Rs.)
Declaration basis
14. Social strata
Codes to be used
SC:             1
ST:
2
OBC:
3
General :     5
Declaration basis
15. Mobile Number (if available)
Declaration basis

19  A bank may specifically see if any of the SHG members would fall within the purview of Reserve Bank of India
(Commercial Banks – Know Your Customer) Directions, 2025 (as amended from time to time) relating to introduction of
simplified measures for proof of identity by RBI and offer Small Deposit Accounts/Basic Saving Bank Deposit Account to
them. Wherever a SHG member is willing to open such an account, the KYC should be done as per RBI circular and
reported to the Central KYC Registry and the CICs.

20   The bank will pull out information from Central KYC registry.


Annex IV

Information on secured assets possessed under the SARFAESI Act, 2002

Sl.
No
Branch
Name
State
Borrower
Name
Guarantor
Name
(wherever
Applicable)
Registere
d
address
of the
Borrower
Registered
address
 of the
Guarantor
(wherever
applicable)
Outstanding
amount
(in ₹)
Asset
Classification
Date of
Asset
classification
Details of
security
possessed
Name of
the Title
holder of
the security
possessed


Annex V
Modifications in the Uniform Credit Reporting Format

1. The nomenclature of the field ‘Fax Number’ shall be changed to ‘Email ID’ in
the Commercial Bureau reporting format.
2. The nomenclature of the field ‘dummy’ shall be changed to ‘Email ID’ under the
MFI Bureau reporting format.
3. The above fields shall continue to be categorised as ‘when available’.


Annex-VI

Illustration on the timelines for reporting credit information

Credit
Information to be
reported as on
date
CIs to share
data with
CICs by
CICs to ingest and
share rectification
report with CIs by
CIs to share
rectification in
rejected data with
CICs by
Day of
the
month
9th
13th
16th
20th
16th
20th
23rd
27th
23rd
27th
30th
5th of the next month
Last day of month
5th of the
next month
8th of next month
13th of the next
month